What are the fees associated with your services?

We offer hourly consulting and retainer arrangements ala carte for planning services. We charge an annual advisory fee for investment management. Investment clients receive planning as a value added service included with the advisory fee. 

Do you work in your clients best interests? 

We are bound to a fiduciary contract as CFP® professionals and Investment Advisor Representatives.

How are you compensated? 

Fees from planning agreements and/or advisory fees for asset management. 

How often do you meet with your clients? 

There is no set formula. We recommend an in person meeting at a minimum 2 times per year. We talk to our clients dozens of times per year.

What is your investment philosophy/how do you invest money for clients? 

We don’t believe in timing the markets. We favor low cost investments, diversification, and opportunistic rebalancing. We primarily use low cost ETF’s and Mutual Funds.

What does a financial plan include?

A comprehensive analysis of your financial situation to include your savings and income plan, investments, and risk management.

Philosophy

You need an approach you can believe in and understand, one based on academic research, analysis, and evidence. We offer a disciplined approach to managing your investments. Using diversification, asset allocation and opportunistic rebalancing we seek to capture market returns and limit risk. Our philosophy is grounded in low cost investments, tax efficiency, and diversification. 

Process:

Developing a sustainable investment strategy starts with identifying your investment goals and assessing your comfort level with risk. From there we can build a strategy using low cost & no load mutual funds and ETF’s. Once in place we will rebalance opportunistically and make adjustments when warranted by changes in your situation and goals. We do not believe in timing the market.